Existing investment customers

Balance transfers

Transfer a balance to your credit card

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Could you save money by transferring another credit or store card balance to your Nationwide credit card? See the rates and charges, how to make the transfer, and what the minimum and maximum limits are.

1Application

You can apply to transfer a balance to your credit card online or over the phone. The minimum transfer is £1. You can transfer a balance of up to 97.6% of your available credit limit.

2Behind the scenes

It normally takes 2 to 3 working days to move your balance across (in some circumstances it can take up to 10 working days). The transfer may not show up in your next statement depending on when you applied.

3Transfer notification

4Keeping up to date

If the transfer was part of a promotional offer, you'll get notifications in your statements before your offer is due to expire. You can also see your interest rate, offer duration and offer expiry date in the ‘interest summary’ table on your statement.

You can transfer a balance at any time and there's no limit on how many balances you can transfer. Just remember that you can't transfer a balance that would be more than 97.6% of your available credit limit. Always make sure you maintain payments on existing cards until the balance transfer is complete, otherwise you may be charged a missed payment fee.

Unlike some credit card providers, at Nationwide your offer period will start from the day the balance was transferred to your account, not the day you applied. That means that you won’t miss out on part of your offer period.

How much could you save?

Just use the sliders, and on the right you’ll see how much you could save by transferring your balance to us.

Current credit card APR:

Balance to transfer:

You could save £0.00 by transferring this balance to Nationwide, assuming no additional charges are made

Savings summary

Balance Transfer saving:

Total savings:

0% p.a. for 12 months on balance transfers. Introductory rate applies from the date the balance transfer is applied to the account. Balance transfers at 0% with no fee must be made within 3 months of account opening, each transfer after this time will be subject to a 2.4% (minimum £5) fee, and your standard interest rate.
The savings figures indicate the interest saving over the stated 0% introductory period compared to your current APR. The calculator assumes a constant account balance and interest charged from account opening.

Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. You can confirm our registration on the FCA's website (This link will open in a new window) (https://www.the-fca.org.uk).